Official Protocol Stack

Protocol Architecture The 13 modules of the Protocol Stack.

A modular infrastructure covering identity, compliance, routing, and sovereign financial settlement, with a clear operational priority: Guinea and secure bank cheques.

Guinea first Cheque priority Signed by Omnify

We aim to progressively cover Africa, then corridors beyond, after a solid validation of the model in Guinea and with rules adapted to each jurisdiction.

Fundamental Modules (The Core)

National BankID

1. Omniban Identity

Unique identity for every actor (Citizen, Business, State). N1 to N4 multi-level verification.

Shared Registry

2. Omniban KYC

Centralizes validated KYC data. Reuse proof between institutions to reduce costs by 70%.

Digital RCCM

3. Business Registry

Legal identity for businesses. Real-time verification of directors and beneficial owners.

Dynamic Score

4. Omniban Trust

Fraud and incident registry. Dynamic trust scoring based on financial behavior.

RTGS / ACH

5. Omniban Clearing

Interbank infrastructure. Real-time clearing and net position management.

Payment < 2s

6. Omniban Instant

The Guinean equivalent of PIX. Full Mobile Money â†” Bank interoperability 24/7/365.

Standardization

7. Omniban API

Unified integration layer. Standardized endpoints, Webhooks, and Sandbox for Fintechs.

Advanced Modules (Regional & International)

Cross-border

8. Omniban Corridors

Harmonizes identities and KYC between jurisdictions (e.g., GN â†” WAEMU) and manages FX engine.

Priority: Cheque

9. Omniban Instruments

Cryptographically signed universal format. Reinvents bank cheques as secure digital versions.

Audit-Proof

10. Omniban Ledger

Immutable logging. Uses hash chains and Merkle proofs for total traceability.

Transversal Modules (Support)

Verification

12. Omniban Scan

Universal verification module: QR Codes, physical documents, and digital signatures.

Root of Trust

13. Omnifyâ„¢ Auth

The security engine. Actor authentication and HMAC-SHA256 signing of instruments.